Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Banks operate very sophisticated financial systems. Twenty per cent of the buy-to-let loans that are 90 days or more in arrears have ended up in receivership, which strikes me as pretty high, and over 30% of the proposals that are involved in legal proceedings are in the buy-to-let category. The proof is in the eating or the pudding or whatever. I apologise; my word choices are not quite as smooth as I would like them to be today.